InterFirst

I really wanted to like Interfirst. They truly had the best rate for me and was the cheapest option for our refinance now that interest rates are so low. The process started out great. They requested all of our documents and we provided everything. They then went dark. After about a month of not hearing back, I reached out and they needed something from my HOA but NEVER communicated this to me. From that point forward, trying to get anything done with them was like pulling teeth. I had to be the one to initiate any communication, next steps, deliverables, etc. to get my refi to close. It took a week shy of 3 months to close the refinance. On the day of the closing, the clearing company told that the cash to close figure Interfirst gave to me was not accurate. Luckily the closing company was willing to accept a personal check for the difference, but Interfirst couldn't even be bothered to get me an accurate amount to close on the day of my closing. That being said, everything was signed two days ago and I've now Interfirst sent multiple emails asking them to confirm everything has been taken care of. What a surprise, they haven't said anything to me to indicate that my old mortgage has closed. Either my business wasn't important to Interfirst or they really don't have their act together. Either way, there's no way I would recommend this bank to another home owner. Take your business to a bank that takes your mortgage as seriously as you do.

I would NOT recommend this company at all. The loan officer, Ron, was not responsive and unprofessional. They ran my husband's credit, had him sign all the loan documents and provided him the information, and then he just disappeared. We called many times and left vm, no responses. We emailed him multiple times, no email back either. I spoke to his manager Rocky who promised to call us back and resolve the issue the very next day. No response or email even after we called him several times. Worst Mortgage Company and customer service EVER!

First, it took almost 4 months to close our refinance loan. Second, there was a lack of communication until Ed stepped in. Finally, the initial rep informed me that my rate would automatically float down if rates fell before we closed, but that was not true. Interfirst posted lower rates on Bankrate.com; but my rate did not adjust. Ed eventually did lower my rate (a little) as a nice gesture for my patience through the very lengthy process. We finally did close the loan, but I cannot in good conscience recommend this company.

This mortgage company is, with 1 exception, the worst mortgage company I have had. I have excellent credit yet they put my refinance through the ringer and took 2 months to get it through. Then, they lost the first mortgage payment that I made in June. I tried to sort this out with them providing proof of payments now for June (3 times), July (3 times), August (2 times), and September (1 time) and they are now sending me debt collection letters because they still believe they have never received June's payment. Even though I sent them the proof of payment from the bank with the cashed check images. I have called them several times to sort this out and they still can't seem to get it fixed. They even have charged late fees...they reversed one of them only to hit me with another! I would avoid this company...

Don t use this company. Stop communication with them now and save your time. Bait and switch. Offer to compete with other respectable mortgage companies by email but then loan offer is not even close to email thread: For 30 year loan as opposed to 15 year as discussed throughout. No cash back as opposed to what was discussed throughout. Then comes back with $70 a month more payment (as opposed to $5 less a month to beat competing company that they said they would initially easily beat). Again, save your time. I researched 10 companies before making my decision and this is the only review that I posted at all on mortgage companies. Your welcome. My other reviews are positive and offer objectivity except 1 other negative review.

I wont recommend this company at all , I found them on BankRate and at the beginning they were super professional Mr Ronald DE Leon very responsive on the process of refinancing, but Diana Williams took over and after 45 days of wait I had to switch to another company , because they just were M.I.A. they waste all my time and actually kept a lot of my personal information

This company does not care about your business or getting your loan right! Lisa L. never responded to calls and took days to respond to emails. When she did respond, she either avoided questions all together or only answered one of our questions. Loan closing was delayed by weeks because they did it wrong twice (messed up closing cost and then the title). This could have resulted in out paying $1,300 extra, if we hadn t caught it! Completed survey after closing and mgmt wanted to meet to discuss...they were a no show! BEWARE! UPDATE: They never met with me to discuss. Scheduled a meeting and then didn t show. Don t believe their response below! They did nothing to resolve! Only contacted me after my review....

If you want a loan process to take 75 plus days then use this company. We have enough liquid cash assets to pay off our loan but since rates are so low we are just refinancing. The things they are asking us to provide are beyond what is reasonable. They asked for my parents mortgage statement because their public request record showed I owned my parents home. My letter saying no I don't wasn't good enough they wanted my parents mortgage statement. I told them to pull title to prove it but when that included $ out of their pocket they changed the condition. You provide documentation as requested then it sits for 2 weeks and then you have to send more documents because they are now old and out of date. The worst experience I've ever had. Credit score over 800 and cash that would cover the loan and they are insisting on paying off our American Express card which must be paid monthly as it isn't a revolving credit card. STAY AWAY STAY AWAY. Unless you want to continue to provide them documents after 3 months. Update we closed our loan in mid-August and they withheld money to pay our taxes. It has been a month and a half. Our taxes are still outstanding and nobody will call us back. In the meantime interest is accruing on our tax bill. They also had our closing documents wrong which required that the notary come back a second time for us to sign our loan docs. I had to take time off of work to sign the documents which were still not correct. We had to cross off and initial the incorrect information. This is the worst experience dealing with a mortgage company in my life. Avoid avoid avoid!

Unfortunately, I went against my better judgment and tried this new provider instead of our previous company based on lower cost model, with the commitment that if rates went down, we could get that benefit. Interestingly, rates are now lower than ever and we "don't qualify" for a lower rate, even with nearly perfect credit, a low balance to loan ratio, steady, verified income. Agree with others that this feels like a bait and switch.

The worst mortgage company I ever dealt with. Absolutely no customer service. When I raised my complaint with my file processing agent Representative Mr. Sulda, he literally told me to go pound sand. Absolutely the worst customer service ever. Stopped my process and will look for an another lender.

I tried to get a refinance with Interfirst. They sent an appraiser out and he saw that I had modified my home to better take care of my 7 adopted special needs kids and classified it as commerical. Interfirst would not rereview my application no matter how I proved that it wasn't. Can not recommend them because of their unwillingness to review the facts.

Took 5 months for a refinance. Never finished. My deal was screwed up initially by my loan officer. Horrible experience.